Morningstar posted an article titled, "How to Use Money Market Funds in Your Portfolio." Subtitled, "A look at the pros and cons of one of the safest places to stash your cash," it states, "In a previous article, I wrote about the role of cash -- an umbrella term used to describe not just hard currency but other safe, liquid assets such as Treasury bills, certificates of deposit, and bank accounts. Here, I'​ll talk more specifically about money market funds, which are mutual funds that invest in short-​term debt instruments with high credit quality, including US Treasury bills and short-​term unsecured corporate-​backed notes (​aka commercial paper). Money market funds aim to sustain a net asset value of $​1.​00 per share while offering higher yields than bank savings accounts." Discussing the risks and advantages of money funds, they explain, "Money market funds are popular with both individual savers and corporations, who often use them as a tool for managing the cash on their balance sheets. Based on data from Morningstar Direct, assets in US-​based money market funds totaled more than $​7 trillion as of Jan. 31, 2026 -- larger than any other category group except for US equity funds." The piece adds, "Money market funds are popular partly because of their convenience. They'​re available through any major brokerage platform and often offer features such as check writing, making them easy to use for larger expenses such as tax payments and major purchases. Shareholders in money market funds can easily transfer assets to or from a bank account or a longer-​term investment vehicle."

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